UCB
United Community BanksCNYSE / Banks
Last Price
At close
2026-07-18
Current thesis
Sustained NIM expansion, disciplined buybacks, and realized merger synergies drive EPS upside and multiple expansion; with stable credit metrics this pushes the stock toward the high‑end analyst range within 12 months.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-21 · BMO.
What can break
Credit deterioration and rising loan-loss provisions
Momentum
50
Value
54
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $35.40 · Bull $38.00 · Bear $30.00
Earnings
2026-07-21 · BMO
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-16 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $38.42
Why
Momentum50 · Δ7d -1.9
Value54 · Δ7d -0.6
Sentiment49 · Δ7d -5.5
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
50
26% active weight
Current posture
7d trendFlat
Δ7d
-1.9
Δ21d
+3.4
Value
54
39% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-1.0
Sentiment
49
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
-3.9
Why this grade
Composite grade C. Momentum 49.6 / Value 54.4 / Sentiment 49.1
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$4.37B
Beta
0.85
Shares Out
119.76M
P/E (TTM)
12.7
P/S (TTM)
3.77
P/FCF (TTM)
12.34
Rev YoY
+1.3%
EPS YoY
+20.1%
Gross Margin
-
Op Margin
+39.2%
Net Debt
$41.18M
Current Ratio
0.05
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology